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Business Archive            Date Archived:  February 18th 2006

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Financial Considerations when Refinancing and Consolidating Home Loans and Credit Card Debt

Financial Considerations when Refinancing and Consolidating Home Loans and Credit Card Debt

Credit Considerations

There are some things you should consider before making a decision about refinancing your house. Interest rates may be on the rise so now may be a good time to think about your financial situation and plan a course of action.  If interest rates do go up, they will likely go up on credit cards as well.

Since the new bankruptcy laws have taken effect, it is harder to avoid defaulting on unsecured debt like credit card loans.  It becomes more appealing for some to place the credit card debt into a refinanced home loan package.

In 1981 the Prime Interest Rate was over 18%.  Right now the prime interest rate is a little less than 8%, but that is almost double what it was in 2004.  Interest rates go up and down.  If you have an adjustable rate home loan and interest rates go up you could be paying more each month. Credit card rate are always well above the Prime interest rate.  Financial Considerations when Refinancing and Consolidating Home Loans and Credit Card Debt


Google Does not Turn Over Data But Yahoo Microsoft and AOL Did - to the Justice Department

Google Does not Turn Over Data But Yahoo Microsoft and AOL Did - to the Justice Department

Gonzales

The U.S. Justice Departments filed papers with the U.S. District Court in San Jose stating that Google had refused to comply with a subpoena issued last year for one million random Web addresses.  The information was to include addresses from Google’s database as well as records of all searches entered on Google during any one-week period. 

Privacy rights groups have complained about the governments attempt to have Google turn over such a broad range of materials.  Some fear it could set a dangerous precedent. 

Other search engines have already complied with the Justice Department, including Yahoo, America Online (AOL) and Microsoft.  The Attorney General Alberto Gonzales says the subpoena does not violate privacy rights.  Google Does not Turn Over Data But Yahoo Microsoft and AOL Did - to the Justice Department


3 Essential Boundaries for Mom Entrepreneurs and Their Husbands

3 Essential Boundaries for Mom Entrepreneurs and Their Husbands

TeriLee

In the beginning, I thought it was going to be a breeze when my husband, Terry, joined me working full-time in my business.  If anyone could do it, we could!  We already had a healthy relationship built on trust and respect.  We communicated well.  We both strongly believed in what we were doing.  We understood the need to help each other with the children, keeping the house, and with the business.  We planned to allow for fluctuations in income to keep stresses over money to a minimum.  Yet I still wasn’t prepared.

For anyone considering working with your spouse, here are 3 Essential Boundaries for Entrepreneurial Couples to help to ease your transition:  3 Essential Boundaries for Mom Entrepreneurs and Their Husbands


The Top 10 Reasons to Become a Medical Transcriptionist

The Top 10 Reasons to Become a Medical Transcriptionist

Work From Home

You've seen the commercials: medical transcriptionists are in high demand.  Should you consider this field?  Below are the top ten best reasons to become a medical transcriptionist.  If these characteristics are something you're looking for in a job, then medical transcription may be for you.  To get started, try “Working at Home the American Way in Medical Transcription” by Debra Jan Hebert, an experienced medical transcriptionist.

10.     Quick entry

Many lucrative professions require extensive training and advanced degrees.  Other jobs in the medical field can take eight or more years of grueling, expensive schooling to begin. The Top 10 Reasons to Become a Medical Transcriptionist


What to Consider when Refinancing a Home - Fixed Home Loans via Brokers

What to Consider when Refinancing a Home - Fixed Home Loans via Brokers

Home Loans

There are many things to consider when refinancing your home.  One of the important considerations is who or what company to use when refinancing.  Also speak to your financial consultant before making any decisions.  The refinancing option may not be worth it.

There is a cost associated with refinancing a home.  There are various parties that may take a fee, including a loan broker.  Loan / mortgage brokers can be helpful in shopping for a loan.  You only need to supply your information once and they do the rest.  You save yourself the loss in credit-score by having multiple inquiries on your credit.

Some mortgages have a prepayment penalty.  If your current loan has one of these clauses it will add to the cost of refinancing.  These prepayment penalty clauses should be avoided in your new loan as well. What to Consider when Refinancing a Home - Fixed Home Loans via Brokers


Microsoft's adCenter Contextual Search Advertising Program to Compete with Google Adsense - Adwords

Microsoft's adCenter Contextual Search Advertising Program to Compete with Google Adsense - Adwords

MS adCenter

Microsoft has been working for over a year on an advertising program to compete with Google and Yahoo.  On Friday, Microsoft demonstrated 15 of 40 prototypes during its adCenter Demo Fest at their headquarters in Redmond Washington. 

The company announced that they are opening a laboratory in Beijing to develop new technologies. About 22 researchers in Beijing will work with at least 20 in Redmond in what they call the adCenter Incubation Lab (adLab).  Eventually there could be as many as 50 scientists assigned to the project in Beijing.  Microsoft's adCenter Contextual Search Advertising Program to Compete with Google Adsense - Adwords


BlackBerry to Add Google Talk  - Local and Apple Mac Synchronization

BlackBerry to Add Google Talk  - Local and Apple Mac Synchronization

BlackBerry

The BlackBerry has become very popular recently, and the maker of the device now plans to add new features by partnering with Google and an Apple accessory maker.  Research In Motion (RIM), the maker of Blackberry, plans on offering Google Talk instant messaging, Google Local and the ability to link its device to Apple computers for free.

Blackberry owners will be able to add a new version of the Google Talk instant messaging program, and also download a free program to synchronize their device with their Apple computers.  The Google Talk will be released in spring.

Users will probably love the new Google Local feature that can be downloaded right now.  This offers users the ability to search for local businesses.  It will also give them access to maps and satellite images.  BlackBerry to Add Google Talk  - Local and Apple Mac Synchronization


Conflict Resolution: 5 Ways to Resolve Conflict Quickly

Conflict Resolution: 5 Ways to Resolve Conflict Quickly

5 step conflict resolution

Experiencing conflict at work or home? Don’t worry, you are not alone.  Most people experience conflict on a daily basis.  People who experience conflict are either 1) discouraged by conflict or 2) strengthened through conflict.  Regardless, of whether or not you have been discouraged by conflict you can learn to let conflict make you stronger by following the five followings steps to conflict resolution:

1)   Don’t Open Your Mouth---Yet!

The first step to conflict resolution is to never ‘fly off the handle,’ overreact, yell, etc.  These obnoxious and threatening gestures will take you and your ‘opponent’ further and further away from the interest of the conflict, so remain calm and remember that conflict can be a good thing.  Also, you’ve heard it a thousand times, but learn to stop and think before you speak. Conflict Resolution: 5 Ways to Resolve Conflict Quickly


Drinking Alcohol while on the Job – Survey Results

Drinking Alcohol while on the Job – Survey Results

Beer

A report by the University at Buffalo's Research Institute on Addictions (RIA) was published in the current issue of the Journal of Studies on Alcohol say that 15 percent of the US employees have been either intoxicated with alcohol or affected by alcohol while on the job.  That is roughly 19.2 million workers.

The study was funded by National Institute on Alcohol Abuse and Alcoholism.  The researchers conducted telephone surveys of 2,805 employed adults in the 48 contiguous states including Washington D.C.  The demographics were adjusted to survey a wide selection of professions of adults ranging in age from 18 years old all the way up to 65 years old.  Drinking Alcohol while on the Job – Survey Results


Home Loan Options and Considerations as Interest Rates Rise

Home Loan Options and Considerations as Interest Rates Rise

When to Refinance

There are many options for financing a home.  Many homeowners that originally financed their home are wondering if they should refinance their home before rates go up.  Since their rates are tied to a fluctuated interest rate, it may be a good option.  You may want to talk to a financial advisor before doing so.

According to the forcasts.org website, the prime interest rate is expected to go up this year.  In 2004 the prime interest rate has made a steady climb from a little over 4% to over 7% today.  They expect the rate to climb to 7.49% by June. 

One thing you need to check before you decide to refinance is your current contract.  Is there a pre-payment penalty if you decide to pay off the loan early in order to take out a new fixed rate mortgage?  Home Loan Options and Considerations as Interest Rates Rise 


Real Estate Classes first before you Start Investing with No Money Down

Real Estate Classes first before you Start Investing with No Money Down

RE Classes First

Stock investments for 2005 were less than eventful overall.  The Dow stock index was down .61 percent and the S&P did not do much better.  The S&P 500 was up just 3%.  Not all investments showed such meager returns.  Morningstar found that Real Estate funds were up over 11%.

But how does a person get into the real estate business?  There are some methods of buying real estate with little or no money down. You will need to be serious and maybe even get your hands dirty though. 

The first thing you need to do is start investigating two avenues in this business.  You will need to look for both investors and sellers.  A great way to get to know investors is to get involved in the industry.  Take some classes and become either a licensed real estate agent or an appraiser.  Real Estate Classes first before you Start Investing with No Money Down


Credit Card Minimum Monthly Payments Double Due to New Rules

Credit Card Minimum Monthly Payments Double Due to New Rules

Changes in Rules

This may not be the best time to require credit card companies to double their minimum payments.  There are numerous stories of cash strapped families now hamstrung with debt barely able to make their minimum payments.  Starting this month the minimum payments required by credit card companies will double.

Most credit card companies would require minimum payments of just 2% of the principle.  Now over their own objections, they are required to raise that minimum payment to 4%. 

That is right; the credit card companies did not want this new regulation.  They would make more money if the minimums were set at 2%, not 4%. Some credit card companies have already raised their minimums but this month the rest will be required to follow suit.  Credit Card Minimum Monthly Payments Double Due to New Rules


How to Buy Online with Credit Cards or Paypal on Ebay or other Online Sellers

How to Buy Online with Credit Cards or Paypal on Ebay or other Online Sellers

Optional Check boxes

Ebay is a great resource for buying tools, toys, kitchenware and very hard to find items.  On a recent cooking talk show a caller asked the host where she could buy a hard to find appliance.  The host said eBay of course.  She told the caller that the regular brick and mortar stores did not stock it, but eBay would have a dozen of them for sale.

Many people have concerns about buying on eBay.  Some purchasers are afraid of buying anything online.  For the most part the fears are not warranted.  There are some things you need to be watchful of before you agree to buy an item.

You will need to sign up with eBay before you can actually buy anything.  It is free to sign up.  Just go to eBay.com and pick a user name and password.  You can use eBay’s search function without signing up.  It operates just like a regular search-engine search, except it searches eBay for the products.  How to Buy Online with Credit Cards or Paypal on Ebay or other Online Sellers


Texas suing Sony BMG for releasing music CD’s with Spyware

Texas suing Sony BMG for releasing music CD’s with Spyware

XCP could be used for spying

Sony BMG has admitted to releasing a potential dangerous anti-piracy software inside people’s computer through music CD’s.  The state of Texas has a new anti-spyware law and is suing Sony BMG for violation.

The music CD’s have a program call XCP standing for extended copy protection.  During this installation the not so nice spyware called rootkit, which is installed into the core operating system.  Another problem program is MediaMax which allows Sony to track the listening habits even if the SunnComm’s liscensing agreement is rejected.  Texas suing Sony BMG for releasing music CD’s with Spyware


IBM to Acquire Micromuse for $865 million

IBM to Acquire Micromuse for $865 million

Netcool Suite by Micromuse

IBM stated on this Wednesday that they would buy software company Micromuse Inc. for $865 million.  This purchase will help fill the needs of the Tivoli software for large computer networks.

Micromuse develops software for managing complex communications based networks including telephone calls, internet traffic, and video.  Tivoli is a competitor Computer Associates International Inc., Hewlett-Packard Co, and BMC software Inc.  IBM to Acquire Micromuse for $865 million


Powerful Internet Tool Wiki - What SEOs can learn from it

Powerful Internet Tool Wiki - What SEOs can learn from it

Wikipedia

I’ve been actively researching ways to quickly and effectively build content to websites.  And while blogs tend to be near the top of the list, there are other opportunities out there.

One such opportunity is a Wiki.  And while a Wiki won’t suit all sites, there are those that can use a Wiki effectively.  If you think you are one of those sites, take a look at this article.

What is a Wiki? Wiki is a piece of server software that allows users to freely create and edit web page content using any Web browser. Wiki supports hyperlinks and has a simple text syntax for creating new pages and links between internal pages on the fly.  Powerful Internet Tool Wiki - What SEOs can learn from it


Google Beats Out Microsoft for Lucrative AOL Business

Google Beats Out Microsoft for Lucrative AOL Business

AOL deal

AOL will stick with the worlds most popular search engine.  MSN had hoped to beat Google to the punch for the lucrative 20 million AOL users.  In the end Google will pay $1 billion for a 5% stake in AOL and AOL will continue to use Google’s search.

This is important for Google because they are able to keep the AOL audience and the revenue associated with their search advertising.  According to the Times Online, AOL is their biggest single source of advertising revenue.  In fact, AOL provided 10% of Google’s ad revenue for the first nine months of this year.  This equaled about $420 million. 

Microsoft was hoping to grab the AOL prize, now that it has launched a competing search engine.  According to those familiar with the Time Warner Company, the deal with Google was a safer option as compared to dealing with the relatively untested MSN technology.  Google Beats Out Microsoft for Lucrative AOL Business


Weyerhaeuser Co. announce Closure and Sales of Plants in US and Canada

Weyerhaeuser Co. announce Closure and Sales of Plants in US and Canada

Weyerhaeuser Co. forest products

One of the world’s largest integrated companies of forest products, Weyerhaeuser Co. (WY.N) announced on Friday that it will be closing or selling some of its plants and to expect more changes in the future.

The factories that are going to be closed are manufacturing containerboard, packaging and paper bags.  This just one of the latest in a sequence of realignments that Weyerhaeuser Co. has planned.

The Federal Way headquartered in Washington will close their Plymouth, North Carolina plant permanently and 200 employees will be affected.  The factory manufactures 350,000-ton-per-year of containerboard.  Weyerhaeuser Co. announce Closure and Sales of Plants in US and Canada


The Benefits of Buying a HUD Foreclosure or Repo

The Benefits of Buying a HUD Foreclosure or Repo

Due your own research

For as long as I can remember I have heard of people buying HUD homes and fixing them up and selling them for a profit.  We did just that a few years ago and doubled our money in two years.  There are risks though.

A division of HUD (Housing and Urban Development) oversees the Federal Housing Administration (FHA) that insures loans for banks.  Sure you have heard about FHA loans before, but FHA does not actually loan the money they only guarantee the loan.  This makes it easier for banks to loan to people that would normally not qualify for a loan.

HUD is great because the loans are given to risky people.  This means they are more likely to default on the loans.  This is good for investors because the government is not so hot at getting top dollar for their foreclosures.  They hardly ever do anything to the property to make it more appealing.  This is a great opportunity if you are looking for a fixer-upper. The Benefits of Buying a HUD Foreclosure or Repo


New retirement savings plan - Roth 401(k) coming into effect

New retirement savings plan - Roth 401(k) coming into effect

Mortgage Fit Forum

The Retirement savings plan, Roth 401(k) introduced by the Economic Growth and Tax Relief Reconciliation Act, 2001 will come into force from January 2006. Unlike a traditional 401(k) Retirement Plan, a Roth 401k plan applies to all employees but the latter requires the contributions to the plan account with after-tax dollars while a 401k plan allows for contributions with pre-tax dollars.

You may not be allowed to contribute to a Roth IRA if your income level is higher but you can certainly qualify for a Roth 401(k) plan, as there are no income specifications here. In addition, you can contribute up to $15,000 for 2006, as in a 401(k) plan and the limit reaches $20,000 for individuals turning 50 years of age or older by the end of the year. New retirement savings plan - Roth 401(k) coming into effect


Google Page Rank and SEO - Try ‘Linking’ With Reality

Google Page Rank and SEO - Try ‘Linking’ With Reality

Google Technology

I have been using the services of a wonderful facility, which has taken almost all of the work out of my ‘Linking Program’ (if you have a website that relies on Search Engine traffic, I really do hope you have one!). The facility is named linkmarket.net. Don’t worry, I am not affiliated in any way and I don’t get any type of reward for referrals, but I do refer people because it is really such a wonderful facility and it’s free, unless you choose to ‘upgrade’ to paid membership, which I am seriously considering doing, in light of the behavior I have observed recently.

I know there have been a fair number of articles on the Internet and on this particular website regarding ‘linking’, it’s importance, how to do it and what not to do. This article is kind of a plea. I’m pleading with people who don’t realize that linking to every single website that’s willing to link back, can be a DISADVANTAGE rather than do them any good at all.

Firstly, the way linkmarket.net works is simple but, as I said, wonderful. You join (free at first, with some minor limitations). You supply your website details, including your category, site name and description and you are listed in their directory. Google Page Rank and SEO - Try ‘Linking’ With Reality


Quiznos up for Sale

Quiznos up for Sale

Quiznos store

The fastest-growing sandwich chain, Quiznos, is going to be sold on the auction block, according to The New York Times and Wall Street Journal.

The reports had unnamed sources, but said that Quiznos had hired Wall Street investment bank, Goldman Sach Group Inc. to find buyers for the chain.  Goldman Sach Group Inc. was said to have already sent out the material to potential buyers. 

Quiznos could sell for $2 billion and is a family-controlled company and has around 3,600 locations in the United States with 400 more locations internationally.  Last year alone the chain opened 800 restaurants.  They have agreements for 1,700 more franchisees that have signed agreements.  Subway in comparison has 21,000 restaurants.  Quiznos up for Sale


Are you offering your customers TOO MANY choices?

Are you offering your customers TOO MANY choices?

Are choices always good?

Are you offering too many choices to your subscribers? How reducing customer choices sells more.  It has been taken for granted that more choice is good for customers. But is this true?

New research says it's *not* true that more choice equates with more sales. The new research suggests that you are much better off as a marketer if you can identify a customer's needs and circumstances, and then present that customer with a *small number of choices* based upon what you have found out.

One reason why a good salesperson can increase sales is that a well-trained and experienced salesperson functions as a very selective filter. Rather than presenting lots of choices to the customer, the good salesperson *focuses in* on that special one or two choices most likely to excite the customer and get him or her to buy.  Are you offering your customers TOO MANY choices?


How to file a Small Claims Court Case

Small Claims Court

Have you ever had a minor dispute where you feel you need to be compensated?  You might consider small claims court.  Disputes are handled quickly and inexpensively.  You may not need to hire an attorney either.  In fact according to the state of California “a lawyer can't represent you in court.”

The courts are all over the country.  They handle small dollar amount claims.  In California that amount is $5,000 or less.  According to the State Website “You can file as many claims as you want for up to $2,500 each. But you can only file 2 claims a year that ask for more than $2,500.”

You can only sue a guarantor for up to $4,000 ($2,500 if they don't charge for the guarantee). A "guarantor" is a person who promises to be responsible for what another person owes. How to file a Small Claims Court Case


Professionals: how to get more quality clients through the Internet

Professionals: how to get more quality clients through the Internet

Find Clients on the Internet

If you are a dentist, a lawyer, an accountant or a therapist, you will want to know how you should go about getting leads on the Internet.  For a number of years, I have been actively involved in helping thousands of professionals get new clients leads via the Internet, and I have found that those professionals who are great marketers all tend to do somewhat the same thing.
 
From observing these great marketers, I've come up with some Do's and Don'ts that may help you save money and increase the number of quality leads you get from the Internet.  And let's first agree that we are all marketing something. We are all in the business of selling our services. Even though we are professionals, we still need to get new clients and that means marketing. If you weren't interested in building up your practice, you wouldn't have read this far.  Professionals: how to get more quality clients through the Internet
 

Special Loan Programs and Financing Help for Real Estate Purchases

Special Loan Programs and Financing Help for Real

Quiz your Agent

There are many ways to get help buying a home.  There are outright grants and there are loan guarantees. We have sold a condo where the buyer got an outright gift from the city for a down payment. 

Whether you are buying or selling your home you should be aware of these programs and so should your Real Estate agent.  The agent should know what is necessary for writing an FHA backed loan.

The U.S. Department of Housing and Urban Development (HUD) provides lenders with loan guarantees through FHA.  If the buyer defaults the government will step in and pay the lender off.  At that time HUD takes back the property for resale.  This guarantee makes lenders more likely to loan to home purchasers that they would not normally loan to.  Special Loan Programs and Financing Help for Real


The Wall Street Journal Interviews Web SuccessTEAM

The Wall Street Journal Interviews Web SuccessTEAM

Cherryl Weaver

The Web Success Team has developed Hot LA Neighborhoods’ website as an out of the box direct response solution to set Cherryl Weaver and her business apart from the mass of real estate agents.
 
Innovative Web Marketing works! The web is about implementation and experimentation. At the end of the day, it is also about results. The Web Success Team customer and successful real estate expert, Cherryl Weaver, was interviewed by the Wall Street Journal Online for her participation in a new and innovative form of Web advertising — buying advertising pixels that link to her website — resulting in driving more traffic and increasing her web presence.  The Wall Street Journal Interviews Web SuccessTEAM

Online Websites help Home Buyers find a Home

Online Websites help Home Buyers find a Home

Online MLS listing

The realtor is a very important part and is a necessary part of the home buying process; however the internet offers listing online to help you find the house that is right for you.

We found that in our search for finding a home it was very helpful to search online because the real estate agent does not let you look at all the homes that are in the MLS.  It will give you an idea what the market is like and if you are getting a good buy for your money.  Online Websites help Home Buyers find a Home


No Money Down Lease Option For Buying Real Estate

No Money Down Lease Option For Buying Real Estate

Lease Option Buying

Qualifying for a loan can be difficult for many people.  Some buyers do not make enough money and others may not have the credit rating or may have just gotten a new job.  A lease option may be a qualifying alternative and these deals are out there.

The lease option involves creating a sales agreement where the buyer gains control of the property but not the ownership.  The contract spells out a future date where the property transfers ownership.

Not all properties are up to code and able to qualify for a loan without major improvements.  The seller may own the home outright without encumbrances but realizes that the property needs an investment of both time and energy before a bank will offer a purchaser a loan.  No Money Down Lease Option For Buying Real Estate


Timing is Important when Buying and Selling Homes

Timing is Important when Buying and Selling Homes

Timing is important

One of the most stressful times in a person’s life is when he or she buys a home.  The decision process is usually long and there is usually second guessing involved after the deal is done.

The seller will wonder if he could have gotten more money for his property. They buyer wonders if he could have gotten it for a lower price or maybe should have waited.  Both may wonder if they did the deal at the most opportune time. 

Housing prices tend to rise before and during the summer when most people have more time to move.  They may take a dip after the summer when the kids get settled in school and there are fewer buyers in the market.  Timing is Important when Buying and Selling Homes


Marketing Offline Can Substantially Increase Your Online Business

Marketing Offline Can Substantially Increase Your Online Business

Offline Marketing

The Internet can be a scary place for those looking for a home-based business opportunity. The fear of not connecting personally with others is one concern and many people have been “taken” by online scams in their search for a legitimate business and are fearful to take any more risks.  One way to overcome fears such as these is to market your online business locally. By simply offering the person a contact that they can speak to and possibly even meet face to face you will making the statement that your business is legitimate and trustworthy.
 
It is effective to market your online business locally primarily because potential customers and business recruits prefer to have the option of speaking with the business owner face to face. By attracting customers locally, you can maximize the opportunities to meet with them. You will no longer be that “someone they found online,” but someone that they will be able to relate to and feel confident doing business with.  Marketing Offline Can Substantially Increase Your Online Business

How to Buy a Home Real Estate or Property from HUD

How to Buy a Home Real Estate or Property from HUD

Visit the HUD website

Like anyone stuck with foreclosed property the Department of Housing and Urban Development (HUD) is looking to sell their assets.  HUD takes properties back when homebuyers fail to make payments on FHA loans.  It is in HUD’s best interest to not lose money on these deals.

In an effort to curb losses HUD has assigned various professional brokerage firms around the country to handle their asset sales.  For instance in Southern California HUD has assigned Pemco to handle all HUD foreclosure sales.  In New York HUD assigned National Home Management Solutions to provide the brokerage services.  HUD has a link to the various assigned brokerage firms throughout the country.  How to Buy a Home Real Estate or Property from HUD


How to Buy Real Estate with No Money Down

How to Buy Real Estate with No Money Down

How to buy a Home

Late night TV is full of seminars touting no-money real estate buying systems.  Real estate has been booming the past few years and many people have made many millions of dollars investing.  So what methods can a person employ to buy property with no money down?

A popular method is to “bird-dog” property.  Investors are always looking for deals but don’t have the time to search out every opportunity.  Some investors are open to deals found by bird dogging.  They may pay you a finder’s fee or cut you in on some of the action. How to Buy Real Estate with No Money Down


Selling on Ebay: Order Processing and Accounting with Marketworks

Selling on Ebay: Order Processing and Accounting with Marketworks

Example of a Marketworks hosted storefront

Marketworks is an online software solution for the online retailer.  The software solutions allows more efficient methods for marketing your products through ebay, yahoo stores and auctions, Froogle, and Overstock auctions.  This software will also integrate an online storefront that you can customize as needed.  Selling on Ebay: Order Processing and Accounting with Marketworks


GM Microsoft Lilly and the Xbox360 Connection

GM Microsoft Lilly and the Xbox360 Connection

X-box 360

I feel bad about 30,000 GM workers losing their jobs.  Where can they go?What can a modern vibrant American economy offer them?
 
New Hope?  I recently thought about this problem while considering a run for the 2006 US Senate seat from Indiana.  As a young Republican Moderate, what could I do to help these folks?  Brainstorm and Broker multiparty deals?
 
Here is one idea I came up with.  Since there are huge amounts of genetic sequences yet to be classified, Imagine if a Senator Bud Labitan (R) from Indiana, could broker and encourage a deal between Lilly, Microsoft, and GM to develop a simple plan to convert 30,000 “GM line workers” into gene-segment analysts or "knowledge workers."  GM Microsoft Lilly and the Xbox360 Connection

Grocery Stores Need to Adapt in Order to Survive

Grocery Stores Need to Adapt in Order to Survive

The Grocery Battle

Supermarket grocery stores have been a tradition for nearly a century.  Americans have made weekly trips to their local super markets to purchase groceries.  Things have been changing.  Many shoppers have switched to mega-stores like Wal-Mart Super Centers and specialty grocery stores like Trader Joes and Whole Foods. 

The first self service grocery store to open was the Memphis Tennessee Piggly Wiggly in the early 1900’s.  In 1930 Michael McKullen opened the first supermarket in Queens New York. Within a decade the Atlantic and Pacific Tea Company spread the idea across the country.  At that time the chain became the fifth largest corporation in America.  Grocery Stores Need to Adapt in Order to Survive

How to Use Blogs to Market and Promote your Website

How to Use Blogs to Market and Promote your Website

Blog Marketing

Many search engines rank websites according to the quality and quantity of incoming links to it.  There are many link sharing programs where you can join and provide links to others and they provide links to your web site.

Google and other search engines have learned how to discount these link programs and some have even refused to index a site that uses a sharing.  This basically makes these programs counter-productive.  Why join a program that will cause your site to never show up on a search engine.  How to Use Blogs to Market and Promote your Website


Internet Copyright Infringements

Copyright Infringements

Whois.com

I've always been of the opinion that competition is a good thing. It encourages all of us to be better and make better products. While it might be true that imitation is the sincerest form of flattery, copying someone else's work is simply wrong.

We recently came across a competitor using our sales copy. The competitor was using a web graph showing the traffic on one of our sites, along with our sales copy to promote their competing application. Digging a little further, I realized that their competing application was, in both form and function, identical to our application. The competing program contained identical screenshots, custom program icons and our help documentation. While the code of the program was, in fact, different, it was clear that our copyright had been violated.  Internet Copyright Infringements


Where Are Your Potential Customers Searching Online?

Where Are Your Potential Customers Searching Online?

Search is changing

Customers search habits are rapidly changing to the Internet. Now your fingers are using the keyboard not the Yellow Pages. Businesses must gear up for this NEW REALITY.
 
Local Search Marketing Is the Next Tsunami. As a local business, you can no longer ignore these facts. If you want to compete and survive, you must have a presence where your customers are searching. Local search marketing is vital to the future of your business. Here are a few important areas to consider:
 
1) The Major Search Engines ­ Search Engine Optimization for higher rankings and pay-per-click advertising for more targeted web presence.  Where Are Your Potential Customers Searching Online?

5 Cleaning Tips and a Recommendation for Cleaning Services

5 Cleaning Tips and a Recommendation for Cleaning Services

Cleaning Services

No one likes a dirty house.  A clean home and an orderly environment help us to think more clearly and to enjoy our lives a lot more than we would if we lived in a pig pen (my mother used to refer to my room with that friendly term).  This article will provide you with 5 helpful cleaning tips as well as a recommendation for cleaning services.  Cleaning services are not always necessary for your home—although they are wonderful--but if you have a business, a warehouse or even a condo they are necessary and should be chosen carefully.  5 Cleaning Tips and a Recommendation for Cleaning Services

Internet Marketing - When Something is Free

Internet Marketing - When Something is Free

Why are things FREE?

What are consumer expectations when something is free? Realistically, consumers subconsciously assume free means free, and while that might be the initial intent rarely is it the case.

What Exactly Does Free Mean?  Very few things these days are free in the real sense of the word. There are very few free items that do not have any strings attached.

Why do Companies Offer Things for Free?  Companies or individuals may promote a free offer or service for any number of reasons. From branding to ad revenue, companies often use "free" to attract attention or interest. As a consumer, it is important to realize what "free" might really mean. Internet Marketing - When Something is Free


How to Decide What to Sell on eBay

How to Decide What to Sell on eBay

What to sell on eBay

There are many important decisions to make before you sell on eBay, and determining the right products to sell on eBay is crucial.  Some may think the smallest, most expensive item is the best thing to sell.  Maybe, but maybe not. 

It is been our experience that the small expensive items are the most competitive.  Let’s face it, most people don’t want to lift heavy boxes.  They typically would prefer a small shelf to pull product from not pallets of large boxes.

We sold a small expensive wind meter for a while on eBay.  In fact we locked ourselves into a one year contract to purchase a certain quantity at a certain price. How to Decide What to Sell on eBay


Free Google Web Analytics Service will Optimize Advertising Budgets

Free Google Web Analytics Service will Optimize Advertising Budgets

Analytics Interface

Google announced on Monday that the Google Analytics service will be free of charge.  Google Analytics sprung from their purchase of analytics company Urchin back in March.  Urchin helped companies develop internet advertising campaigns using analytical techniques by determining what their customers are looking for.  

By determining what keywords attract the most visitors, a company can tailor-make their email or web based advertising campaigns more effective.  Companies have paid money to various companies for this analytical service in the past.  Now Google is integrating their Google Analytics with Google AdWords, Google’s advertiser interface.  Free Google Web Analytics Service will Optimize Advertising Budgets


What is Creative Commons

What is Creative Commons

Creative Commons

Creative Commons is a nonprofit organization that allows artists, authors, publishers and musicians the option of creating and defining a flexible copyright for their creative works. Creative Commons was officially launched in 2001 by a group of intellectual property experts, lawyers and web publishers. Creative Commons licenses cover art, music, and writing, but is not designed for software.  What is Creative Commons


Short Term vs Long Term Marketing

Short Term vs Long Term Marketing

Short and Long Term Sales

In order to create consistent sales cycles and a positive growth trend businesses usually engage in both short and long term marketing efforts.

Short-term marketing efforts tend to cause sudden sales spikes which rarely last. These sharp sales increases are usually the result of a targeted marketing campaign or time limited offer. While short-term marketing produces sales, long-term marketing efforts must be mixed in to sustain sales.
Short Term vs Long Term Marketing


Avoid Chargebacks with Paypal by following Rules for Seller’s Protection

Avoid Chargebacks with Paypal by following Rules for Seller’s Protection

Visa and Mastercard (above) and Amex are supported through Paypal

Paypal is a quick method to accepting online payments, however there are certain rules that you must follow in order to comply with there seller’s protection rules.

You can send money for free, however to receive money but you will get a fee charged a lot like a merchant credit card processing service.  If you are a small business that does not have credit card services, or would like to sell online without getting a merchant card service account, this is the easiest method to receiving money on the internet and Paypal is greatly recognized and used by many.  Paypal is also owned by Ebay.

There are pitfalls with any business, but when you accept credit cards and Paypal you should process the order and ship it within 48 hours from receipt of payment.  Avoid Chargebacks with Paypal by following Rules for Seller’s Protection


UPS and FedEx Shipping Can Be Dangerous to your eBay Business

UPS and FedEx Shipping Can Be Dangerous to your eBay Business

Small - Large Bubble-wrap

It can cost you dearly if your package gets damaged even if you paid for insurance.  We have had both UPS and FedEx decline insurance claims because they argue we did not pack the item sufficiently. This usually occurs on the larger – heavier items. 

It is impossible to ship some items. If the item weighs over 150 pounds neither UPS nor FedEx Ground will ship it.  There is also a size limitation.  UPS will not ship a package if it is over 108 inches in length.  They also have a cubic measurement limit.  Measure the length of the package and add the girth of the package.  If the sum of these measurements exceeds 165 inches they will not deliver it.  They will also charge you an oversize fee.  UPS and FedEx Shipping Can Be Dangerous to your eBay Business


Future of RSS is Not Blogs but with Corporate Communications

Future of RSS is Not Blogs but with Corporate Communications

The RSS Past

Blogs vaulted RSS into the limelight but are unlikely to be the force that sustains RSS as a communication medium. The biggest opportunities for RSS are not in the blogosphere but as a corporate communication channel.

Even now, businesses that were initially reluctantly evaluating RSS are beginning to realize the power and benefit of the RSS information avenue. The inherent capacity for consumers to select the content they wish to receive will be the driving mechanism for keeping advertisements to a minimum and content quality consistent.
Future of RSS is Not Blogs but with Corporate Communications


How To Promote and Tell The World about Your Blog

How To Promote and Tell The World about Your Blog

RSS Submit Program

Well, you've joined the others and have created a blog. It is time to tell the world about your online journal. Most blog services generate an RSS feed. If your blogging software does not create an RSS feed, consider using software like FeedForAll  to create an RSS feed. Like blogs, RSS is growing in popularity and is a great way to spread the word about a new blog.

Syndication is conceptually simple. It allows publishers to distribute content that can be displayed in another location or context. Using RSS, publishers are able to easily create and disseminate content feeds that include news headlines, blog summaries and related links. RSS is the defined syndication standard that has become mainstream. All types of information are now available in a syndicated format.
How To Promote and Tell The World about Your Blog


Copyright Issues Concerning RSS Feeds and Web Publishing

Copyright Issues Concerning RSS Feeds and Web Publishing

Copyright Debate

RSS is commonly defined as really simple syndication. So, this means that any material contained in a feed is available for syndication, right? Well no, not exactly. It means that the content contained in an RSS feed is in a format that is syndication friendly, if the copyright holder allows for syndication. Offering a feed for syndication does not in fact grant any legal rights to anyone to reuse the feeds content beyond what the Copyright laws grant as Fair Use.

In practice, while your feed might legally be protected, you could literally spend weeks attempting to protect the contents of your feed. Legal gray areas are introduced with Search Engines indexing feeds and RSS Feed Directories including copywritten feeds, in their categorized directories. How do you distinguish between a legitimate search engine, RSS directory and someone simply reproducing the contents of a feed for personal gain? Legally how can you defend against one and not the other? 
Copyright Issues Concerning RSS Feeds and Web Publishing


RSS won the Battle over Atom and other Syndication Protocols

RSS won the Battle over Atom and other Syndication Protocols

Pluck Feed Reader

RSS appears to have conquered the last hurtle in becoming the industry syndication standard.

Microsoft's inclusion of RSS into the newest version of Internet Explorer and reports that RSS will be in Longhorn's coming release appears to be the final nail in the coffin of the Atom specification. Even Atom's steadfast supporter Google, appears to have seen the light. Google had previously acquired Blogger, a popular blogging tool that uses the Atom specification to syndicate the contents of blogs created on the Blogger platform. In the past Google had strategically steered clear of endorsing the RSS specification hoping that Atom, would take hold. 
RSS won the Battle over Atom and other Syndication Protocols


Repacking Text Articles Making them Podcasts

Repacking Text Articles Making them Podcasts

Feed For All Software

We are taught to recycle paper, cans, bottles and plastic but marketers rarely discuss the value of repackaging and repurposing content. Publishers and marketers alike have embraced content syndication and RSS but few have considered the value beyond the actual syndication. Consider an alternative communication channel that reaches a new or different audience.

Repurposing and repackaging content or information so that it can be consumed through a variety of mediums is not a new concept. Many businesses today sight increased communication as a common goal.
Repacking Text Articles Making them Podcasts


Ebay Sellers:  How to handle Ebay Customer Service Emails

Ebay Sellers:  How to handle Ebay Customer Service Emails Page1

Email helps sales on Ebay

Selling on Ebay offers a fast pace sales opportunity for anyone that wants to sell online.  Turning Ebay selling from a hobby into a full time business is a big task.  One aspect of the work that must be completed in an Ebay business is the customer service.  Most of the customer service is handled through the email. Ebay Sellers:  How to handle Ebay Customer Service Emails

 


Comparing Email Programs for the Small Business

Comparing Email Programs for the Small Business

Email comparisons

We have hundreds of emails generated every week with customer pre and post sale questions.  In order to manage the volumes of email the right email software for the job will make a big difference on your productivity.  We have tried Micorosoft’s Outlook, Poco System’s PocoMail, and Qualcomm’s Eudora email programs.  Here is what we liked and didn’t like about each one. Comparing Email Programs for the Small Business


10 Things You Should Know About Shopping Carts

10 Things You Should Know About Shopping Carts

Shopping Cart

You want to move your business online, and now you are faced with the many available options for shopping carts. Trust me keeping track and deciding which is the best fit for your purpose is no easy job, but these 10 things should help you make an informed decision.

One of the first things to consider is the type of product or service and whom you sell to? If these are not clearly defined and you are just trying to get some products online to see how they will sell, then a starter package that is rentable is probably the way to go. You still need to consider the following needs. Most shopping carts are built for physical products that are mailed or shipped to customers. So if you sell a digital product you need to look for a feature set that accommodates ordering and then providing immediate controlled downloading of the product. 10 Things You Should Know About Shopping Carts

Companies Implement Their Own Call Accounting Solutions to Ensure Telecom-Billing Accuracy

Companies Implement Their Own Call Accounting Solutions to Ensure Telecom-Billing Accuracy

Screen shot

According to their annual report available on their website, in the last fiscal year-ending, SBC spent over two-and-a-half billion dollars were spent on advertising. Version's annual report shows just over two billion was spent. Sprint, nearly a billion. AT&T (who had stripped back their advertising budget) spent just under half a billion.

Many corporations will never see such income amounts in their entire lifetimes, let alone advertising budgets and this begs the question, if a telecom carrier can spend a fortune on advertising, why can't they invest a fraction of that amount to ensure accurate billing to their customers? Because of billing inaccuracies, customers are forced to implement their own call accounting solutions.  Companies Implement Their Own Call Accounting Solutions to Ensure Telecom-Billing Accuracy


Really Simple Syndication RSS and Public Relations PR and Online Brand Perception

Really Simple Syndication RSS and Public Relations PR and Online Brand Perception

RSS Bandit News Feeder

Branding has been called the most powerful idea in business, yet few companies consciously take control of their brand and create it. Your brand is formed by the visual, emotional, rational, and cultural image associated with your company or product.  Now that so many people are reading news and researching products and services online, their first point of contact with your brand is most likely to be online.

Brand perception online has been linked to search engine visibility. Studies such as the IAB research shows that searchers regard companies that are placed on page one in the search engines as the major players in the field.  Really Simple Syndication RSS and Public Relations PR and Online Brand Perception


Search Engine Optimization Internet Marketing Strategies Working for SMB

Search Engine Optimization Internet Marketing Strategies Working for SMB

Sally Falkow

According to the ISP Interland's Summer 2005 Small and Medium-sized Business Barometer, SMB's are getting a return from their Internet marketing strategy - company websites are providing valuable leads and sales.

57 percent of business leaders surveyed said they generate monthly revenue through online purchases or offline purchases that were influenced by their website.

78 percent report their business is healthier - has a competitive advantage or stronger economic footing - because they have a website, and 76 percent say their website generates leads for their business.
Search Engine Optimization Internet Marketing Strategies Working for SMB


How to Find and Generate Sales Leads Using the Internet

How to Find and Generate Sales Leads Using the Internet

Using the Internet

Your best leads are on the Internet – and they’re searching for you  The latest tool for sales lead generation and search engine marketing is an optimized press release. 

The Internet is now the number one choice for news as well as for information. Just think about it – where do you go when you want to find something?  Search engine marketing is a must for sales lead generation today.

88 percent of economically active Americans are online today and 77 percent of them get their news online. Yahoo! News and Google News combined have the largest audience - even more than CNN or the BBC. How to Find and Generate Sales Leads Using the Internet


MBA on a Interactive Video "Game" Disk With Artificial Intelligence

MBA on a Interactive Video "Game" Disk With Artificial Intelligence

MBA on a disk

What will education be like in the future?  A mix of gaming and education may be the answer.  The basic idea is to put a full "Core MBA Curriculum" on a High Density Disc and deliver the core content clips dynamically back in "Madden NFL Football Game Style" with user-customized interactions and system generated video animations. I had originally pitched the MMBA concept to Microsoft Research via email, but no progress was made. EA or others might be interested.

Its competitive advantage over potential rival products would be an A.I. inspired hidden helper system that uses Bayesian Probabilities for anticipating linked concepts in management education. This MMBA logic engine would also be designed to weave together case simulations that merge real and generated video clips to engage a user like a well designed Madden NFL football game. Thus, it would offer a customized learning and review experience based upon the user's prioritization of interests. 
MBA on a Interactive Video "Game" Disk With Artificial Intelligence


President Bush Nominates Dr Ben Bernanke to Post of Federal Reserve Chairman

President Bush Nominates Dr Ben Bernanke to Post of Federal Reserve Chairman

Ben Bernanke

Alan Greenspan will be retiring in January 2006 and President Bush has nominated a former Federal Reserve Governor Ben Bernanke as his successor.  Nominated by Ronald Reagan, Alan Greenspan has been the FED chairman for 18 years. 

Both Alan Greenspan and Bernanke are considered rich.  It is estimated that Alan Greenspan is worth between 4 and 9 million dollars.  Bernanke’s wealth is estimated between 1.1 and 5.6 million dollars. 

According to Henry Blodget writing for Slate.com Bernanke is an academic economist, and most academics believe that the market is so efficient that stock-picking is usually a waste of time. President Bush Nominates Dr Ben Bernanke to Post of Federal Reserve Chairman


Microsoft UK Finances Wembley Stadium and is called first Founding Partner

Microsoft UK Finances Wembely Stadium and is called first Founding Partner

Wembley Stadium

Microsoft UK has become the Wembley Stadium’s first Founding Partner announced this past Thursday.

Nick Barley, Business & Marketing Officer of Microsoft UK explained the reason for investing in Wembley Stadium’s.  “Microsoft believes in helping people to achieve their potential.  Wembley Stadium plays a unique role in British life – it’s a national icon that Microsoft UK Finances Wembley Stadium and is called first Founding Partner


The Greatest Storm in American History Approaches, Are You Ready?

The Greatest Storm in American History Approaches, Are You Ready?

Paulo Reyes

As Hurricane Wilma nears as the most powerful hurricane in our nation's history and Hurricane Katrina and Hurricane Rita's devastation continues leaving behind catastrophic damage in several coastal states, we see the importance of planning ahead for disaster recovery. Families are displaced, homes destroyed and now comes the task of trying to put the puzzle together and hopefully reunite families with their loved ones. This task will be enormously difficult. However, for those that did plan ahead and prepared a disaster recovery plan, relatives and friends should know exactly where to locate them. If you haven't prepared one for your family, now is the time to do so-before the next disaster hits.

Diana Ennen, co-author of Home Office Recovery Plan: The Disaster Preparedness Guide for Your Home Business was hit by Katrina in South Florida last week along with the other four hurricanes last year. She once again is in the direct route of the storm.
The Greatest Storm in American History Approaches, Are You Ready?


How to Organizing Your Home Business Office Effectively

How to Organizing Your Home Business Office Effectively

Organizing your Office

It can be a real challenge as a work at home parent to maintain an organized home office. Many times, the office or desktop is the last of our worries as we strive to raise our children, support our spouses and run our home-based business. However, keeping up with the clutter and chaos of your office may be just what you need to get you in a working mindset and help you to be more efficient while working.

There a few simple things that you can do on a regular basis that will help to de-stress organizing process:

* Address your home office/desktop chaos in blocks of time. You may need to set aside just a few hours, or you may need an entire day. Decide what will work for you and stick to it. If it’s not possible for you to set aside a block of time, consider using a headset while you are on the phone and be de-cluttering, too!  How to Organizing Your Home Business Office Effectively


Essentials for Mastering Your Filing System

Essentials for Mastering Your Filing System

Organizing you office

As a small or home-based business owner, you need to be able to operate from your desk quickly and easily. Though setting up a filing system sounds difficult, it is a relatively easy task that can be made easier by a few tips and tricks.

(1) Sit at your desk for a few minutes and figure out where you will instinctively look for things. I have a drawer to the left of my workstation. When I first set up my desk, I didn’t have anything in it. When I would look for stamps, paperclips or my stapler, it was the first place I would look, even though I knew it was empty. So naturally I put the stamps, paperclips and stapler in that drawer. For me, it was the natural home for those items. Everyone will approach this differently, and what works for me may not work for you. Take a few minutes to sit down at your primary workspace and reach for equipment, supplies and files. That will help you establish the idea spot for those items for you personally. 
Essentials for Mastering Your Filing System


How to Consolidate your credit card debt and Save Money

How to Consolidate your credit card debt and Save Money

Credit Card Consolidation

With the popularity of plastic money these days, credit cards are gaining immense importance. With growing usage of credit card the number of people in debt and the amount of debt for each of them is also increasing at a fast pace. Almost every household in the US today is undergoing the threats of debt problems. People undergoing credit card debts should ideally opt for debt

consolidation in order to lead a debt free life. In the US more than half of the population has an average of $8000 debts, only because of the usage of credit cards. 
How to Consolidate your credit card debt and Save Money


Reverse Engineering Google Business Strategies

Reverse Engineering Googles Business Strategies

Google Strategies

What’s in a name? That’s a good question. Some feel that the name that you are given at birth provides and accurate description of who you will turn out to be.

So I began to wonder, does a domain name say as much about a future site as your name says about you? I decided to take a look at some of the domain names registered by Google to see if I could get an idea of what the company may be up to in the future and came up with some interesting ideas which I will share with you here.

Etymology is the study of the history of words. And through etymology you can find out just what your name means. I looked my name up and it means “bright fame.” I guess that’s not too far from the truth :)

In any case, I took some time one day to see if I could track down some of the other domain names Google owns.
Reverse Engineering Google Business Strategies


How to get a Virtual Assistant Business

How to get a Virtual Assistant Business

Home Business

The revolution of how businesses operate is an enormous boon to Virtual Assistants. With more businesses moving into an internet based atmosphere, the opportunity for growth as a Virtual Assistant (VA) is exceptional.

Virtual Assistants are modern day Administrative Assistants. Most often a good VA has the skill sets of a traditional administrative assistant with the added benefit of being technically web savvy and often possessing website and graphic design skills, HTML know how and an understanding of search engine optimization and Internet marketing.

However, there are many levels to what type of work you could choose to target as a Virtual Assistant. Many Virtual Assistants provide virtual customer support for clients while others focus entirely on data entry work. The options are diverse and plentiful. 
How to get a Virtual Assistant Business


The Good and the Bad of SEO – From Googles Mouth!

The Good and the Bad of SEO – From Googles Mouth!

Google SEO

I recently had the opportunity to ask questions of some Google staffers. There were some questions I felt I needed to get verification on, so when I had the opportunity via a conference call I took it.

In this article I highlight some of the points made during the call so you know what Google thinks.

You know its bad when you take time from your holidays to come into work to attend a conference call. But that’s what I did a few weeks ago. You see I had to because I was going to have the opportunity to ask some Google employees specific questions on things that I’d been pretty sure about, but wanted to hear it right from the horses mouth.
The Good and the Bad of SEO – From Googles Mouth!


Google and Sun - a partnership to kill Microsoft or a deal with the devil?

Google and Sun - a partnership to kill Microsoft or a deal with the devil?

Sun and Google Team Up

As you have probably already heard, Google and Sun have partnered up to distribute the Google Toolbar with Sun’s Java.  While this may seem like a minor deal in the grand scheme of things, upon further reflection I find this could be the deal which will ultimately break Microsoft.

While the implications could be huge and far reaching, only Google knows for sure what it wants.  We can speculate however and that’s what this article is all about.  Is such a deal good for Sun (and Google) or is it a pact with the devil?

At first glance, such a deal doesn’t seem like much.  After all java to most people is just a plug in for your Internet browser.  What good would such a deal be to Google?  Well lets take a look at what Java can do.  The following is taken straight from Sun’s website: Google and Sun - a partnership to kill Microsoft or a deal with the devil?


How to Ship Packages with FedEx, UPS Ground and the Postal Service

How to Ship Packages with FedEx, UPS Ground and the Postal Service

Choose a Shipping Co.

There are some tricks you need to know for selling on eBay, but there are also some practical things you need to know, one of them being how to ship packages.  What shipping company should you use?  Should you use UPS, FedEx, DHL or the old Postal Service?

Typically, if an item weighs less than 2 pounds then it is better to ship it UPSP Priority Mail.  The postal service will give you the boxes saving you between 50 cents and a buck on each package.  Take advantage of that.

Several years ago we shipped everything that weighed under 5 pounds Priority Mail.  Then the Postal Service raised their rates.  They also created zones for anything over two pounds similar to FedEx and UPS.  So if you are in California and want to ship a package to New York it costs more than if you were shipping it to Las Vegas.  We calculated that it most cases it was cheaper to ship UPS or FedEx Ground for anything over two pounds. How to Ship Packages with FedEx, UPS Ground and the Postal Service


How to Make Money and not Lose Money Selling on Ebay

How to Make Money and not Lose Money Selling on Ebay

First Rule:  Don't lose money

One important aspect to be considered in any business is the losses.  eBay is no different.  There could be shipping loses, losses due to fraud and losses due to mistakes.  If you do enough business you are bound to make all of these mistakes.

In an article I wrote on identity theft I mentioned that the person that took my identity bought $300 of merchandise from Walmart.com.  Wal-Mart took the hit for that.  If you sell expensive items (over $100) you can become a target for fraud.  Few crooks want to waste their time on small-time capers.  They also know that if the item is too expensive the purchase will be closely scrutinized.  How to Make Money and not Lose Money Selling on Ebay


Virtual Assistants are a Solution to Many Business Owners

Virtual Assistants are a Solution to Many Business Owners

Nancy Brown VA

Business can save time and money by using Virtual Assistants for all secretarial / administrative assistant tasks. Virtual Assistants are highly skilled and trained, Independent Contractors working from their own offices, often partnering with other businesses to help them succeed.

VA's have their own office equipment, necessary software, detailed skills set, and specific training to handle office management duties and serve as virtual office administrators to their clients.

Virtual Office Administration can be defined by some business owners as total secretarial support that includes everything from typing letters and answering phones to web design, accounting services, and database management. 
Virtual Assistants are a Solution to Many Business Owners


Virtual Assistant is Becoming a Popular Home Business Opportunity

Virtual Assistance is Becoming a Popular Home Business Opportunity

Home Business Expert Diana Ennen

With gas prices rising, many displaced from their jobs, and more and more businesses downsizing, comes the need for finding an alternative way to make a good income. Now more than ever, families are seeing the need for two incomes. One Industry that is increasing in popularly today, being rated one of the top 5 home-based businesses for 2005 by Entrepreneur Magazine last year, is virtual assisting. Becoming a VA allows you to work from anywhere in the world and requires little in the way of start-up costs or fees. The main requirement is the ability to type well and a good understanding of the Internet.

By definition, a Virtual Assistant or VA, is a highly skilled professional who provides administrative support and other specialized services to businesses, entrepreneurs, authors, online businesses, executives, sales professionals and others who have more work to do than time to do it. 
Virtual Assistant is Becoming a Popular Home Business Opportunity


Symantec Report Suggests Change in Internet Crime Tactics - Phishing

Symantec Report Suggests Change in Internet Crime Tactics - Phishing

Spoofed Site

Internet criminals have become more focused on monetary gain than malfeasance according to the cyber defense company Symantec.  In one of the most comprehensive resources of Internet threat data in the world, the Internet security firm said “Threats <are> increasingly motivated by profit and desire to perpetrate criminal acts.”

The Symantec report covered the six-month period from January 1 to June 30, 2005.  They identified new methods of using malicious code for financial gain and an increasing frequency to target desktops rather than enterprise perimeters.  Symantec Report Suggests Change in Internet Crime Tactics - Phishing


How to Sell on Ebay

How to Sell on Ebay

Popular eBay site

Ebay has become one of the most popular internet destinations.  This could be a testament to America’s love for shopping.  Shopping has become one of our favorite pastimes.

Vendors have set up their own permanent stores, making eBay much more than a big online swap meet.  Companies like Home Depot, Sharper Image and IBM have jumped into the fray. 

The marketplace has an abundance of unscrupulous sellers, and there are even more unscrupulous buyers.  Some sellers require a minimum feedback rating before they will allow a member to buy from them.  This helps minimize the risk of fraud.  How to Sell on Ebay


Employers Hit by Higher Health Care Insurance Premiums for 2005

Employers Hit by Higher Health Care Insurance Premiums for 2005

Health Insurance Costs are dark blue line while CPI and wages are light blue lines (1988-2005)

Health insurance premiums have sky-rocketed over the last five year, according to research done by the Kaiser Family Foundation (KFF).  The only good news is that it has only jumped 9.2 percent this year as compared to 13.9 percent two years ago.  The rate of increase is lower this year but it is still outstripping both the cost of living (CPI) and wage increases. 

Premiums have soared 73 percent since 2000 putting a financial burden on employers and those buying insurance on their own.  The average worker is paying $51 per month for single coverage which equates to 16 percent of their premium.  The average family benefits cost the employee $266 per month at 26 percent of the premium.  This has increased from $27 and $129 respectively since 1999.  Employers Hit by Higher Health Care Insurance Premiums for 2005


Best Syndication launches their Forum Discussion Board

Best Syndication launches their Forum Discussion Board

Best Syndication Forums

Shopping is not the only pastime nowadays.  Debate forums have become very popular.  There are forums that specialize in current events, health, science, technology, computers and more. 

Many media companies host forums with a broad subject pallet.  We are no different.  Our new forum includes the sub-forum topics: Health, entertainment, religion, education, sports, transportation and travel, national and world politics, business, science and computers.  Best Syndication launches their Forum Discussion Board 


New Website attacks Phishers Websites

New Website attacks Phishers Websites

New Phishfighting Website

Houston, TX: How many phishing emails did you receive today? According to Wikipedia (Link: www.wikipedia.com) “Phishing (also known as carding and spoofing) is the act of attempting to fraudulently acquire sensitive information, such as passwords and credit card details, by masquerading as a trustworthy person or business.” If you receive phishing emails, then you know how annoying they can be. Phishing emails are spam with a nefarious intent, designed to trick the unwary into divulging personal information. New Website attacks Phishers Websites



Microsoft Buys Teleo VoIP Technology for IE and Outlook

Microsoft Buys Teleo VoIP Technology for IE and Outlook

Microsoft buys Teleo

Last week Google launched its Google Talk, a instant messaging service with voice chat.  Even though MSN, AOL and Yahoo all had the technology but because of Google’s strong brand name it received great fan fair. 

This week Microsoft (MS) has purchased VoIP (Voice over Internet Protocol) provider Teleo.  This could give MS an edge in the communications battle.  Teleo offers services that enable the placement of phone calls from PCs to traditional phones. Microsoft Buys Teleo VoIP Technology for IE and Outlook


How to Fix your Credit Score and Qualify for a Home Loan

How to fix your credit score and qualify for a loan

Home Buying

One might be wondering why some lenders turn down a mortgage application while some others might consider it fit for approval. The answer may well lie in the credit report and the credit score to be precise which plays a crucial role in loan sanctioning.

Credit history is an important factor affecting loan granting decisions by the lender or mortgagee. As part of the pre-approval process a detailed investigation is carried out into your financial history whereby the lender assesses your finances, your credit history and your investments. Your debt ratios are compared with the lender’s standard while deciding on the loan approval. Your level of debt or credit history is taken as a parameter for judging your ability to make the monthly repayments. How to Fix your Credit Score and Qualify for a Home Loan


Pod Books and Self Publishing on the Internet

Self publishing on the internet POD Books

Self Publishing

I saw this statement on a print-on-demand web site recently. Please note that current technology does not allow a POD book to be identical in quality to a normally printed book you would purchase in a bookstore. Most experienced readers can tell a POD book from an offset printed book just by the resolution; for those of us with poorer eyesight, we can tell the difference by looking through a magnifying glass.

POD books are still printed with dot technology. Such technology cannot equal offset printing. The quality is getting closer and closer every day, but it is not there yet. Pod Books and Self Publishing on the Internet


Successful Search Engine Optimization

Successful Search Engine Optimization tools companies

Search Engines

A Search Engine Optimization firm can be an invaluable asset in your Internet marketing campaign. They specialize in knowing how to highten your search engine positions, monitoring those positions on the regular basis, and adjusting their strategies to account for unwanted results in any given month. Since this takes a lot of effort, time, and specialized knowledge, it can be in your best interest to go to an outside source rather than try to maintain high search engine positions on your own.

However, like every business, there are good companies and there are lemons. Knowing the right questions to ask and the criteria to look for will help you in choosing an affordable, effective search engine optimization company.  Successful Search Engine Optimization


Choosing a Photo Inkjet Printer

Canon HP Epson Brother Printers How to Choose a good Photo quality Inkjet Printer

Epson with CD / DVD Tray

Ink Jet printers have come a long way in the past decade.  Not only has the resolution increased, but so has functionality.  Many inkjet printers can print crystal clear color images on photo quality paper and even directly to DVD and CD media. 

The prices have dropped drastically also.  The other day I saw an ad in a Wal-Mart circular posting prices as low as $39.  Sure there are better quality printers out there, but you don’t have to spend a fortune to get acceptable or even superb quality prints.  There are a few things you need to look for before you buy, and we will evaluate those things here.  How to Choose a Photo Inkjet Printer


Google's New RSS and Atom Services

180x150_BTC_05

Google News is now offering a Really Simple Syndication (RSS 2.0) and Atom (ver. .3) News feed service.  RSS is a XML-based document format that alerts Internet users to the latest articles.  The News Feeds can be integrated into a browser or email program after the user installs the reader. Both Atom and RSS provide a similar syndication format for XML feeds.  

Google News compiles news stories from various news outlets and using an algorithm classifies and displays synopses on the Google website.   The news format is customizable.  For instance, if you have an interest in a particular Football team or medical condition, you can have the news sifted for those keywords. Topics are updated every fifteen minutes. Google News RSS


Business Logistics Companies Between China and Argentina

Business Logistics Companies for China and Argentina

Argentina

Buenos Aires, Argentina – Seabird Argentina S.A. has started moving inbound containers of chemical products ex-China to Buenos Aires for one of Latin America’s leading chemical trading companies, Inmobal Nutrer. Seabird is working with their Global Expeditors Network partner (GEN), Trek Logistics on this business. “Because the importer buys from several suppliers in China and Trek Logistics offers a good network throughout China, Trek Logistics and their director Stephen Yau have proven to be good partners for us,” says Christian Wunderlich, of Seabird Argentina.

Although the shipments are harmless chemicals, there is still extra documentation involved which include extra time and expense, such as safety data sheet requirements. As the shipments from the China side are FOB, many suppliers and carriers in China are not very willing to help out with these issues. “We have found that COSCO and China Shipping have been flexible with us in these shipments where other carriers have not,” says Wunderlich, “since this is a very interesting account, possibly up to 80 teu per month, we need carriers to show more flexibility.”   Business between Argentina and China


Voice over IP Benefits Business and Consumers

Business: Voice over IP services may benifit consumers

Unocal

Voice Over IP (VOIP) is a relatively new technology. Voice Over IP allows people to leave behind the old and very traditional analogue phone networks and now adapt in favor of the very new and very progressive Internet-based calling system infrastructure. Using this technology for your communications actually works out cheaper for you in the long run as it means you won't need to pay for calls if the people you are calling and speaking to are also using the same VOIP system.

Voice Over IP runs on several different types of infrastructure. This is the main reason why you should take the time to do your homework and find out how it works and what is involved, before you even consider setting up a Voice Over IP network at your home or place of business. When you do your homework you will see that invariably VOIP offers lots of advantages over and above the standard traditional telephone based analogue service that most people are currently using. Let's take a moment to examine some of the advantages of using Voice Over IP. Voice Over Internet


The Fight against Identity Theft


US Furniture Industry Sees Vietnam as Alternative to China

Business Imports of Furniture from Vietnam

Vietnam

Ho Chi Minh City, Vietnam – Vietnam has become a popular destination for US wooden furniture importers as the US furniture industry continues to modify its import patterns after the antidumping petition against Chinese wood bedroom furniture manufacturers. This is due to the fact that the furniture imports continued rise in the US while at the same time tariffs on the Chinese furniture also inflated.

This shift from China is having a massive effect on the wood furniture export industry in Vietnam. According to Vietnam’s Ministry of Agriculture and Rural Development, last year Vietnam exported around USD 1.2 billion in wooden products, most of which was furniture, but that is expected to rise to between USD 1.4-1.6 billion during 2005. “Right now Vietnam is exporting furniture to over 120 countries worldwide,” says J.D. McClellan, managing director of Diamond Keystone Associates, a Vietnam based furniture export sourcing company, “but no market is having more of an effect on Vietnam than the United States right now, and I don’t see that changing for some time to come.”  Business with Vietnam


Identity Theft

FTC Federal Trade Commission Identity Theft What to do story

FTC is lead agency

The Federal Trade commission reports that identity theft has been the number one consumer fraud complaint for five years running, affecting 10 million people each year.  Some states require companies to notify consumers if they lose track of their personal information. 

Recently I was notified by one of my credit card companies that my address was being changed on my Credit Card.  This was a surprise to me.  The new address was located across the country.  The thieves had my social security number and date of birth.  Along with my name, they effectively had my identity.  Identity Theft Article

Identity Theft - What you can do


US Government Officials attempt to stop Unocal - CNOOC merger

Video Game Piracy


Regulations making Credit Card Payments to Double

Credit card payments to double

Credit card minimum payment amounts are going to double.  Federal regulators are forcing the credit card companies to pay off more than just interest payments.  The banks are going to increase the minimum monthly payment from 2 percent to 4 percent.  MBNA, Citibank, and Bank of America have already announced that they are increasing the minimum monthly payments more will be following suit to comply with the regulations.

The national average credit card debt per household is approximately $10,000.  There are about 40 percent of American households that have a balance from month to month on their credit cards.  If a persons minimum payment was $200 per month it would be $400 per month with the new regulation. Complete Story


Unocal may be split up by takeover deal

Unocal

The relationship between Beijing and Washington has become more complex in recent weeks with the attempted takeover of Unocal by one of China's three largest energy firms, CNOOC Ltd.  Chinese officials claim this transaction to be nothing more than a business matter.  The House of Representatives has seen it differently and passed a resolution urging President Bush to block the proposed takeover. 

In a written statement, the Chinese Foreign Ministry demanded the US Congress to correct it’s mistake.  "We demand that the U.S. Congress correct its mistaken ways of politicizing economic and trade issues and stop interfering in the normal commercial exchanges between enterprises of the two countries …  CNOOC's bid to take over the U.S. Unocal company is a normal commercial activity between enterprises and should not fall victim to political interference. The development of economic and trade cooperation between China and the United States conforms to the interests of both sides."  Complete Story

 
 
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Copyright 2005 Best Syndication                                            Last Updated Sunday, July 11, 2010 01:17 AM